Pension Advice...
... from a Chartered Financial Planner. Below are a selection of questions and answers as examples of how we may help.
To begin the process of receiving our advice we will need to collect some
information from you - when you are ready to proceed please follow this link
by clicking
here.
Q: I am approaching retirement
and unsure of the many options offered to me by my pension providers?
A: We consider your current
financial position, build a profile of your post-retirement finances and work
back from this to guide you toward the most appropriate option.
Q: I am unsure how my finances
will operate on a much reduced income post retirement?
A: We can provide a budget for
your outgoings from the likely pension income available to you.
Q: My employer is winding up
the company pension scheme. What shall I do?
A: We can provide advice on the
benefits earned under the scheme to date and compare this with what might be
available by transferring your benefits to another pension plan.
Q: I understand that the law changed in April 2006. How am I affected?
A: We will consider your
position now and the aims that you have for the future, then explain how the
new rules will effect these and how you may adopt your planning to take
maximum advantage of these changes.
Q: I am considering buying a commercial property. Can I do this via a pension fund?
A: We will analyse your current
position, provide a detailed explanation on how you may purchase a property
in a pension fund and compare this to buying it personally and (if
appropriate) within a company.
Q: I am approaching age 75. Must
I buy an annuity with my pension fund?
A: It is no longer compulsory
after April 2006. However, an annuity might suit you best. We will compare
the options and recommend that best suited to your circumstances.
Q: I am going through a divorce
and have been offered part of my spouse´s pension fund within the
settlement. I am unsure whether or not this is fair?
A: We will convert the offered
fund to benefits in a format that you can understand.
Q: I have a number of pension
arrangements. Is it possible to consolidate these into one?
A: It may be possible but is not
necessarily in your best interests. To establish you best position, we will
analyse each plan and tell you of the advantages (if any) of keeping each
one.
To begin the process of receiving our advice we will need to collect some
information from you - when you are ready to proceed please follow this link
by clicking
here.